You may find these links helpful:

• Roth or Traditional
• General Information on Rollovers
• Retirement Accounts
• "How to handle $"

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Are you not able to deduct your traditional IRA contributions on your 1040?

>Since my contributions are coming out of my pocket post-income tax

Are you deducting the IRA contributions on your income taxes each year?

If you cannot deduct the traditional IRA contribution due to your income and having a 401k, you should then consider the following two things:

1. Can you make Roth IRA contributions directly? Read about the income limit. If yes, recharacterize the 2022 traditional IRA contribution as Roth IRA contributions.

2. If #1 is a "no", then read about Backdoor Roth

Yes. I should qualify that as "coming out of my pocket take home pay." Taxes are withheld from my paycheck.

But if you take the deduction on your income tax then it’s pre-tax dollars going into the IRA. In that case a conversion would all be taxable as income. Generally it’s not very efficient to convert to Roth because of the initial tax drag.

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What’s your income and how much is in it?